Our
Extra Insurance options Guarantees (in the event of freight damage)
the fast processing of your replacement without waiting for the Decision
on the Claim from the Freight Company.

At
it's lease Value it keeps you from having to wait for a claim to
process.

At
it greatest Value, you still get a replacement piece, even if your
claim gets denied.

We
Always Recommend that get insurance: Although it's true that some
furniture has very little chance of getting damaged, where other furniture
may be very fragile. There is no furniture that has absolutely no
chance of getting damaged. In our 15 years shipping around the country
we've seen it all. Freight just getting lost, and sometimes they actually
do fall off the Truck, in a few cases right in front of the customer,
while being unloaded.

We
do always recommend the insurance, as there's nothing worse then buying
top dollar Furniture, and then receiving what could amounts to
very expensive firewood.

For
us to Ship;Your furniture
to you outside the Houston and nearby surrounding areas. You must either
get the Extra Insurance or Assume the risk of letting your Furniture
rest solely in the hands of the Freight company, leaving us without
any type of liability or obligation in the event of damages. So here
are your options below, if wanting to place an order that is to be shipped.

Yes;
I want the insurance @ 10% of the order total.I
understand I'm still responsible to make note of any damages upon
delivery of my order with the driver.

No;
I do not want the insurance and in the event of a claim, I am willing
to wait for my claim to process through the freight company, and
if there is no replacement available, I will accept whatever reimbursement
the Freight Company offers, leaving 45Furniture.com without
liability.

-To
waive insurance; remove the check from the Shipping Insurance
Check-Box at the bottom of our payment options page. The "10%
Insurance Fee" will then be removed from your shopping cart.

If
you do not want to pay the 10% for the Extra Insurance, nor do you want
to Accept the liability of any potential losses from damages during
shipping, that may not be covered by the Freight Company.
Simply Do Not Place An Order with Us!

Make
Sure Your Covered.

You
may
Waive your Extra Insurance;
this does not mean you will absolutely not get a replacement or any
type of refund if no replacement option is available. As there is
the basic coverage provided by the Freight company, but that only
covers you, when it is determined by the Freight Company that they
themselves are at fault for the damages. And if there is a loop hole,
80% of the time they jump through it to avoid paying the claim.

Without the Extra Insurance;
you will have to wait for the decision from the Freight Company, as
to their liability, before a replacement piece will be shipped. In
other words, your Replacement won't ship
until the Freight Company Pays the Claim. When they do pay
any claim, they will only cover the cost of the item, and the cost
to re-ship the item, nothing extra, no fees of penalties, you may
have suffered if you are a Home designer, and/or you have installers/movers,
or anyone else you may have hired or waiting for your shipment.

We
Strongly Suggest; that you protect your Furniture
shipment, and allow us to assume the Risk of Shipping the Furniture.
As when you purchase the Extra Insurance, you are paying for us to
assume all the risk and responsibility for the shipment until it arrives
and is unloaded at your home or place of Business in excellent condition.
But remember we do still ask that you be our eyes on that end and
fully inspect, and if necessary refuse any damaged portions of the
shipment.

With the Extra Insurance coverage,
as as long as you make a note of the damages and/or at least noted
the concern for potential damages, (if unable to fully inspect at
that time) and do so directly on the Delivery Ticket (provided by
the Driver for Proof of Delivery). We will immediately write up a
new order for the replacement of the damage pieces, and get them shipped
out to you A.S.A.P.! Just as if, you had placed a new order. "No
Waiting for the Claim Process" you will receive an immediate
remedy to the situation.

Please
Note; even when getting the extra insurance, we do still require
you to inspect your shipment at the time of delivery and "Refuse
Delivery" on any Portion of your order that arrives damaged.
When and if signing for your shipment without noting any damages
or expectation and/or potential for damages because the condition
of the boxes, if and when they appear slightly squashed, dented
or if not arriving tightly shrink rapped and centered on a skid
or pallet. We have over 15 years experience shipping furniture around
the country, and we know how to pack your shipment up right to minimize
the chance of damages during shipping, and only very rarely have
to process a claim, therefore we do not have any staff designated
to process claims. And a simple inspection and/or a simple mention
of the condition of your shipment if not perfect at the time of
arrival, can avoid getting a claim for damages processed quickly.

Our
Involvement within the Claim Process; If your
order becomes damaged during shipping, we will as a courtesy help
you or even file your Claim for you, to try to get your replacement
paid for. With the intentions of offering excellent service after
the sale. We will then also process a second order for you, without
any extra costs to you. If you choose to waive
the Extra Insurance Coverage, this extra service is provided
solely as a courtesy, as we try yo provide the very best customer
service. Even though we do not profit from providing this assistance,
and it does cost a good amount of time and money. As besides the work
involved in processing the Claim itself, we are also having to process
a second order for you. Whenever we process any order, there are different
cost involved to do so, not just the cost of the goods. However when
processing a claim, there is no new sale, only the expense of processing
one.

So
please understand that our willingness to help you with this process,
does not mean we willing accept any additional or unexpected expenses
or losses. As after your shipment is picked up, it is no longer
in our hands, and that we feel we have fulfilled our obligation
of providing the furniture you wanted.

Also
Note; when we do try to help you with the claim process, please
remember that we are trying to help you, and it does already cost
us money to do so. So if it takes longer than you expected, please
do not blame on us, or expect our personnel should be made available
to talk with you about it for long periods, several times a week.
We will surely contact you as soon as the claim is completed and
paid, and of course your always welcome to call the freight company
directly.

So
if you do decide to waive the extra insurance, and then your shipment
suffers damages, we know it can be frustrating, and so we do want
to help you through this process, and when doing so for free, we
don't feel it's right, that you blame us and/or continually call
to complain or harass our staff, simply to share the aggravation
you are feeling, from either an extended wait during the claim to
process or if finding out your claim is denied. As we do not have
control over either. Remember that our staff are people, too, and
that no one wants to be scalded over the phone, especially when
they are trying to help you, even though we, nor they are no obligated
to.

So
please be patient, and do not expect us to break and just decide
and send you a replacement at our expense, because we you believe
that with enough contact we will tire of such and send one. Especially
when the option for the extra coverage and guaranteed peace of mind,
of not only no long extended waiting for a replacement, but also
no chance of losses, if you didn't notice the damage until after
the driver has left.

Again,
we strongly suggest the extra coverage to avoid the unexpected delays
and maybe even getting stuck with damaged furniture.

With
or without the insurance, replacements pieces
are the remedy on any order that becomes damaged. In some cases when
buying the last of a discontinued item, there may not be any stock
left to make a replacement available to you. In this situation does
occur, and you did get the Extra Insurance Protection, we will issue
a Full Refund of the purchase price, not including the shipping Costs
when and if those costs are not recovered via the claim with the Freight
company. Of course, there is is only if you are unable
to find suitable 2nd option that you would like us to replace the
original discontinued items with.

In
the event damage is reported (whether or not we help you with the
claim process) and the Claim is then Denied by the Freight Company
because of any action, or lack thereof by the customers.
If the Freight company claims they were not at Fault for the damages,
or that none was reported/noted at time of delivery.
Anyone who had decided against and unselected the Extra Insurance
option, may not be entitled or receive a Replacement or Reimbursement
of any kind. ...

In
Simple Terms; Anyone with a Damage Claim, whom waived the extra
insurance (by removing the check from the Extra Insurance option during
the checkout process) will assume all Risk and Liability (outside
of the basic coverage offered directly by the Freight Company) for
any potential damages that may occur to their order during shipping.

Therefore;
All Clients Must Agree and Accept that
in the event of damages, any reimbursement and/or final obligation
of fulfillment on part or the entirety of their claim,
rest solely with the Freight Company's Claims Department and that
their claim will ultimately be decided by them to whether or not
the claim is valid and if it is to be paid by the freight company
. Therefore
if you refuse the extra coverage offered, you are hereby
relieving us of any obligation, Liability and/or the expectation
of our company providing any type replacement without additional
compensation by either you or the Freight Company. Hence no Request
for an immediate Replacement of any items shall be submitted without
a payment for that replacement.

Cancellations
Will Not Be Accepted: After any order ships,
any and all damaged items will be repaired to "Like New"
Condition, and/or replaced. In the event an item cannot be repaired
and we have no option but to Issue a Refund, because of the lack of
availability on that same item) and you have waived the Extra Insurance,
The Refund shall total whatever amount is awarded by the Freight Company
against your Claim, and that amount will be forwarded to you. In
the event this is not satisfactory to you, you do have the option
of contacting the Freight Company directly for any further resolution.
As we are here to provide Furniture to those whom wish to purchase
and we will only ship by your Request.

In
the event you notice some boxes banged up, or slightly dinted and/or
crushed boxes and the driver does not allow you to fully inspect your
shipment, and then he offers that you can "Take it all"
or "refuse it all". If you do have concerns that your items
may have suffered Damages, this is what you do;

Simply
tell the Driver you want the shipment "Held at Dock" or
taken back to their Hub for thorough inspection, so that you can
contact us and make us aware of the issue. At which point we will
contact the Hub and request Photo Documentation of the Condition
of your shipment. At which time we decide on the best steps to protect
both you and our company from any unnecessary losses.

It's
Really important that you inspect your shipment when it arrives, however
of for any reason, you are not able to fully inspect, because of time
constraints, or maybe receiving shipment just after dark, and you
don't feel you have sufficient light to fully inspect, and yet there
is some evidence of rough handling or a bumpy ride , and it's noticeable
to any degree; here is what you do;

Simply
make a note on the bill or ticket (your having to sign as proof of
delivery) that reads

It
appears a Portion of the shipment may have some damage, however
because (whatever reason you are not able to inspect at that time)..
I will have to finish fully inspecting the shipment "later
/ tomorrow / etc.", and I will contact you asap, if any damages
are discovered to make you aware of them.

Whatever
the reason was that you were not able to inspect it at that time,
you should not wait longer than 24 hours, or else you chance of
denial we go way up, whether you get the extra insurance or not.
As not even our company will want to hear about some damages that
you have claimed to found, several weeks after it's been delivered.

We
Refuse to Accept Liability on Any Shipment without
the extra insurance; when it has been refused or waived by you. Hence;
once the Furniture leaves our location and is handed over to the Shipping
Company on your behalf (by our Store Policy) we have completed our
obligation to the transaction, and are no longer involved in, nor
can we be considered liable for anything that can or may occur to
your order. Again; AFTER your order has been
released from our possession and handed over to the Shipping Company,
we have completely fulfilled our portion of the transaction, by providing
the Furniture that you paid for to the Freight Company on your behalf.
However, whenever you do pay the 10% for the Extra Insurance, you
are paying for us to assume the Risk,
and we will continue to be responsible for the order until it safely
arrives at your door.

When
placing an order; and receiving your new Furniture,
be sure to read the freight reception guide, attached to your shipment,
so you will be aware of any necessary steps you may to take in the
event you discover any damages to your shipment that just arrived.
Even if you do choose the insurance option.

In
the Event a Refund being is offered to you, - We will only cover the portion of your order
that has actually suffered the damage.

For Example; when ordering, lets say a house Full of furniture, and
1 of 2 Lamps (in a set) were damaged, then only the set of Lamps would
warrant a Replacement or a refund. We will not Refund your entire
order, or accept a cancellation on a damaged shipment, when the majority
of your order (not directly related to or are part of a set with the
piece(s) that were damaged) and arrived in Good Condition. You would
not have to keep (for example) an ottoman that came with a sofa that
was damaged, or the chairs to a table that was damaged.

However,
you may not under any circumstances refuse your entire shipment, when
only a small portion of your order arrives damaged, or if arriving
with easily repairable tiny scratches and/or dings.

Legal:
All Clients or Potential Clients must agree and understand that they
may only hold the parties with possession of their items at the time
any such damages have occurred. As 45 Furniture will only pack and ship
orders around the country by the direct request of customers that do
not wish to arrange their own shipping and/or collect the items that
were purchased from us. It will be Noted that
we state up front, that when any customer makes a purchase without
taking advantage of and purchases the Extra Insurance that we have made
available to cover such risks, and that it is impossible for any customer
to not be aware of such Coverage, as it's automatically added to their
shopping cart during our checkout process, and that it can only be removed
directly by the customer, and by the customers choice to do so.

Hence
they are aware that without such coverage; we make no claims, promises,
warranties and/or guarantees to any merchandise arriving in any assumed
condition, or at all, in the event the shipping company looses or severely
damages the shipment, and that we only guarantee that the items will
be properly packed, and the items will be in perfect condition at the
time of departing from our company.

If
any customer does not want to risk such situations with the possibility
of losses that can occur, they only need to leave the extra insurance
coverage, that is pre-selected and placed in their shopping cart, or
by re-checking the option, if purposely removed by the customer.

Furthermore
that without your intentional selection of either option and along with
the acceptance and agreement to our entire store policy, an order can
not be submitted. As our Store Policy is "linked to and listed
in short" on every page within our site, prompting any potential
customer to "Read our Policy before making
any purchase", and that any failure to read our policy does
not release them from any part or all of our Policy once the agreement
to the Policy is accepted by our Shopping Cart Checkout System, that
will not accept an order, or allow the customer to proceed without the
Agreement to Policy, and when doing so, it will be recognized that a
Digital or Click Signature testifying to their agreement of such policy.

And
so, they agree to leave us from harm or obligation of any further involvement,
whether directly or indirectly, in any regards as to the fulfillment,
condition, location, any such losses, as result of any situation, that
may cause them to not receive the products purchased from us. That is
of course after the merchandise has left our location. Whether or not
the items arrive in the same condition, quantity, or in any type of
timely manor or fashion.

And that any attempt to hold us responsible, and/or any attempts force
a refund not owed to them by us, and that in in doing so, causes our
company monetary losses, on orders that have already been signed for
by any any party agreed to by the customer, whether it is themselves,
a friend, family member, Shipping Company, Courier or Moving Company,
or any entity they requested that we release their order to, no matter
whom contacts and arranges the shipping or picking up of their order.
As we will only do so on the Customer's behalf and only by their request.

So
any losses suffered by us and/or further losses suffered because of
said losses, whether from canceling of checks, regularly scheduled payments,
the canceling or charging back of a credit card transaction, failure
to deposit funds on a prepaid card (that was scheduled and provided
to make payments), the lack of sufficient funds at the time of a scheduled
bank draft or withdraw, any Bad press or reviews, based around anything
that may have occurred outside of our direct control, especially after
an order is no longer within our possession, or any situations not directly
caused by us.

Further
more; if we are indeed caused these or any type of losses in anyway,
for any reason or form, whether monetarily, or via our reputation, that
directly cause a loss or significant drop in business and/or our ability
to conduct business, where the situation that has occurred was not fully
or at least in part the result of any direct wrong doing by our company,
by the lack of meeting our responsibilities to any transaction or any
direct negligence on our part.Therefore; if we are caused
harm because of misplaced anger, distress, inpatients, dissatisfaction
or false sense of obligations by us, when none were issued, implied,
offered or promised by us.

Such
as product damages, shipping delays, missing or undelivered products
(after tracking number is available) and/or any other possible situation
or scenarios where we were falsely accused, or have been blamed, or
that the liability unjustly placed on us, where we were not and
are not directly responsible for,

Hence any attacks, on or company whether of because real issues or even
in jest, will not be tolerated and will be met with Civil and/or Criminal
Charges.

We
have had to recoup our funds this way before, and will do so again,
if we have fully met our obligations, and the items we provided have
not been paid for in full or the payment has been retracted by whatever
means.